X Cash Daily interest only $0.032/every $1,000*
Zero Human Interference
Lightning Approval in Seconds¹
0 Handling Fees²
24/7 Instant Funds³
Zero Branch Visits
Flexible Loan Amount
Withdrawal & Pay At Anytime
Transparency
X Cash A.I. ( Small Loan Amount)
A.I. instant approval, only need HKID card to apply, and the daily interest is only $0.032 per $1,000*
X Loan ( Large Loan Amount)
Whether you’re seeking funds for emergencies, home improvements, medical expenses, or any other purpose, we can provide a swift solution.
X Debt Consolidation Loan
X Wallet team provides you with a customized “Debt Consolidation Loan” plan. The application process is simple. All card and loan balances are paid off at once, giving you the flexibility to use your cash and helping you improve your TU Report Rating.
X Mortgage Loan
Provides low-interest property loans for owners, regardless of property type, such as private buildings, corporate shops, etc., including first mortgage and second mortgage. Apply online in just 3 simple steps!
X Property Owner’s Loan
Provide large loan amount for property owners, with loan amounts up to $1,500,000, allowing you to turnaround your cash flow in convenience way, application just in 3 simple steps.
X Funds (SME loan)
No matter which industry you work in, we will provide you with professional advice tailored to your business financial needs
HKIAA Cadet Pilot Program Student Loan
No matter which industry you work in, we will provide you with professional advice tailored to your business financial needs
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What is the monthly instalment amount ?
3 Steps
to financial freedom!
How to Apply:
Verify Identity
Open X Wallet, take a photo of Hong Kong ID card to verify your identity, and enter general personal information.
A.I. Instant Approval
Machine learning and data analysis give you lighting approval results in seconds¹.
Confirmation and fund transfer
Confirm the loan contract and fill-in bank information in app, then the fund will be transferred through FPS instantly to your bank account³.
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Whats our Clients Say?
YVONNE
X Wallet Loan User | Clerk
Recently, my family needs some money for medical expenses, but I have called two finance companies that I am already a client to apply for extra loan amount but were rejected. Fortunately, a friend introduced me a loan app – X Wallet of Zero Finance. The entire loan application process takes only few minutes, the loan can be automatically transferred even on Sundays, repay as much as you used. The repayment method is also very convenient, and I will recommend it to more friends in need in the future.
*The monthly repayment amount is calculated based on the actual annual interest rate of 8%. According to the Money Lenders Ordinance, the effective interest rate shall not exceed 48% per annum. The repayment period is from a minimum of 61 months to a maximum of 48 months. For a loan of HK$15,000 with an annual interest rate of 0.67% and a repayment period of 48 months, the monthly interest expense would be HK$50, and the total repayment amount would be HK$17,400. The above loan-related fees are for reference only; final approval of the application depends on the client’s financial situation.
LYNN
X Wallet Loan User | Self-employed
I opened a retail fashion store. Due to the deteriorating social environment, not only affect the income, but even the funds for purchasing goods became scarce. Because of the unstable income, it is impossible for me to apply for a loan at the bank. Sometimes I feel hesitant. As I saw the X Wallet advertisement on the Internet. It took about 5 minutes from downloading the APP to receiving the loan transfer notification. It really helped me a lot! For a loan of $15,000, the monthly interest is only $50
, and there is no additional charge for early repayment.
*The monthly repayment amount is calculated based on the actual annual interest rate of 8%. According to the Money Lenders Ordinance, the effective interest rate shall not exceed 48% per annum. The repayment period is from a minimum of 61 months to a maximum of 48 months. For a loan of HK$15,000 with an annual interest rate of 0.67% and a repayment period of 48 months, the monthly interest expense would be HK$50, and the total repayment amount would be HK$17,400. The above loan-related fees are for reference only; final approval of the application depends on the client’s financial situation.
*The final approval of the application is subject to the financial condition of customer.
*The final approval result is subject to the individual applicant’s actual circumstances. The Company reserves the right of final approval; terms and conditions apply.
¹According to internal statistics from 1 January 2026 to 31 March 2026, the average approval time for the X Cash.AI Loan was within 5 seconds. Approval time refers to the duration from the submission of a completed application to the completion of the A.I. system’s assessment. Actual time required may vary depending on individual circumstances. The Company reserves the right of final approval; terms and conditions apply.
²Generally, the Company does not charge any handling fees for the loan products offered through X Wallet. The Company reserves the right of final interpretation and decision.
³Excluding system maintenance periods; actual time may vary depending on individual circumstances. Final approval is subject to the applicant’s financial status. The Company reserves the right of final approval; terms and conditions apply.
